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Thu, 21 Mar 2019 18:58:52 +0000en-UShourly1https://wordpress.org/?v=4.9.8What’s a Home Inventory, and Why Do I Need One?https://www.erieinsurance.com/JJ1030/blog/what-is-a-home-inventory?utm_source=bf_erieagents&utm_medium=referral&utm_campaign=blog&utm_content=hodgesinsurance.com
Thu, 21 Mar 2019 04:00:00 +0000https://www.hodgesinsurance.com/whats-a-home-inventory-and-why-do-i-need-one/What if you were asked to make a list of everything inside your home from memory? Chances are, you’d end up forgetting a thing or two … right? Well, if you ever have to file a homeowners insurance claim after a fire or major disaster, you could be asked to do just that. That’s why […]

Estimating the replacement cost of walls, doors and windows is a pretty straightforward task. But even though the items inside your home are covered, it can be harder to document the value of that baseball card collection or your favorite pair of shoes.

It takes some time and effort, but there are several reasons why a home inventory can give you peace of mind.

Why It Helps to Have a Home Inventory

Choosing the right coverage: The worst time to find out you don’t have enough insurance coverage is after a loss. Having an accurate list of all your possessions is a helpful start when you and your insurance agent decide how much insurance coverage you need. After all, you have to know the value of your items to insure them properly.

Filing a claim faster: When disaster strikes, it can be difficult to remember everything in your home that was lost or damaged. But if you have a home inventory, your work is already done. So you can spend your time on what matters most – getting your life back on track.

Applying for financial aid: After a disaster, you may qualify for certain tax breaks or disaster assistance. But without a list of your belongings, it will be difficult to demonstrate your financial losses. A home inventory will make the process of proving what you’ve lost much easier. So making one list now can save you from piles of unnecessary paperwork later.

How to start your home inventory

Creating a record of everything in your home probably sounds daunting. But there’s no need to get overwhelmed. Before you start digging through those drawers and cabinets, follow these tips to make creating your home inventory more manageable:

Choose a starting point. Don’t get overwhelmed trying to think of every item in your house at once. Instead, try starting with your most valuable items, or work through your house one room at a time.

Take pictures or video. Capturing pictures of each item or recording a video of an entire room is a great way to document your items. Be sure to label your photos with any additional information and narrate your video to describe the contents as you record.

Use an app. There are plenty of mobile apps designed to create a room-by-room record of your home inventory. Some have different features that allow you to take pictures, enter comments and backup all your information to the cloud. Sortly, Memento Database and Nest Egg are a few popular apps for homes and businesses.

Categorize clothing. Unless they’re especially valuable, there’s no need to document every T-shirt or pair of pants. Instead, write down “10 pairs of jeans,” and tally your clothing by categories.

Keep your receipts. Having documentation of your purchases, like a receipt or purchase order, helps provide an accurate value of their replacement cost.

Record serial numbers. Writing down the serial numbers of your electronics and major appliances are a great reference for insurers.

Erie Insurance wants you to sleep well at night, every night. And for us, that means you can feel secure about your home and the things you’ve worked so hard to get. So relax, knowing we’ve got you, your home and your investment covered.

]]>What Can I Do If My Car Is Stolen?https://www.hodgesinsurance.com/what-can-i-do-if-my-car-is-stolen/
Fri, 15 Mar 2019 16:58:00 +0000https://www.hodgesinsurance.com/what-can-i-do-if-my-car-is-stolen/Having your car stolen is a traumatic experience. You step out the door, and your car is simply gone – not there where you left it. Unfortunately, it happens every day to vehicle owners all over the U.S. The following is a checklist to prepare you in case that unhappy event ever happens to you. […]

Having your car stolen is a traumatic experience. You step out the door, and your car is simply gone – not there where you left it. Unfortunately, it happens every day to vehicle owners all over the U.S. The following is a checklist to prepare you in case that unhappy event ever happens to you.

Check to Make Sure Your Car Has Actually Been Stolen

If your car is not there in the spot where you think you left it, take a deep breath and a minute to consider the possibility that you may have parked it in a different location than you thought. Another possibility is that your car may have been towed for one reason or another. Make sure it really is missing before you call the police.

Call the Police to Report the Theft

If your car was not misplaced or towed away, it was probably actually stolen. Call the police as soon as you can. You will need to file a police report that contains all available information about your car, including the make, model, year, vehicle identification number (VIN), and where the car was last located. If you have a tracking device, give that information to the police. Keep a copy of the police report for your file and your insurance claim.

Call Your Insurance Company and Report the Car Stolen

No matter what type of auto insurance policy you have, your insurance company will need to know that the car has been stolen and you are no longer in possession. If your auto insurance only covers state minimum requirements, you may not be covered if your car is stolen. If you are underinsured, our experienced agents at Hodges Insurance in Louisburg, North Carolina can help you find affordable auto insurance that includes coverage to protect you against theft of your vehicle.

If you have comprehensive auto insurance, it will provide protection against car theft. However, payout on your claim will not be immediate. Your insurance company will investigate to rule out fraud and may impose a waiting period of several weeks before paying your claim, in case the vehicle is recovered. When your claim is paid, you will be reimbursed for the actual cash value (ACV) of your car – what you paid for the vehicle minus depreciation. Be aware that ACV is negotiable, and insurance adjusters typically start low. Do your homework, use an ACV calculator to determine the cash value of your stolen vehicle, and do not hesitate to negotiate with the adjuster.

Report Your Stolen Car to the DMV

The Department of Motor Vehicles keeps databases of stolen cars, and they will work with the police to have your stolen car returned to you if it is recovered. Bear in mind that a large percentage of stolen cars are eventually recovered.

Search for Your Stolen Car Online

Look on Craigslist and other car sales forums on the off chance that your stolen car is being advertised for sale. It may be a long shot, but stranger things have happened.

]]>How to Store Your Outdoor Gear During the Offseasonhttps://www.erieinsurance.com/JJ1030/blog/storage-tips-for-outdoor-hobbies?utm_source=bf_erieagents&utm_medium=referral&utm_campaign=blog&utm_content=hodgesinsurance.com
Thu, 14 Mar 2019 04:00:00 +0000https://www.hodgesinsurance.com/how-to-store-your-outdoor-gear-during-the-offseason/Whether it’s camping, biking, kayaking or skiing, there’s nothing quite like spending time outdoors. Getting outside can be a great way to disconnect from the stresses of everyday life, allowing you to clear your head while enjoying the added benefits of sunshine, fresh air and exercise. But as the seasons begin to change, so do […]

Whether it’s camping, biking, kayaking or skiing, there’s nothing quite like spending time outdoors. Getting outside can be a great way to disconnect from the stresses of everyday life, allowing you to clear your head while enjoying the added benefits of sunshine, fresh air and exercise.

But as the seasons begin to change, so do the outdoor recreation activities you’re able to enjoy. And this fact inevitably leads us to the hassle of storing all that gear for the offseason.

After all, you won’t need to keep your sleds, snowshoes or snowboard on hand once April and May arrive. And you probably won’t be needing your tent, fishing gear, golf clubs or lawn games when the snow starts to fall.

Initially, the thought of packing away all your outdoor equipment may raise more questions than answers. Like, “How did I accumulate so much stuff?” and “Where am I going to store this?”

But don’t let yourself get overwhelmed. Instead, follow these tips on how to safely organize and store your gear so it’s ready when you need it:

How to store winter gear

Clean: Before packing your gear away for the summer, wash off any dirt, salt or grime with warm water. If you’re having trouble cleaning things up, try using a mild soap or base cleaner for skis and snowboards.

Dry: Never pack your winter equipment away wet. Instead, dry off sleds, skis and snowboards with a towel. And bring your boots inside to make sure the liners are completely dry.

Wax: For snowsports equipment, apply a liberal coating of hot wax to your base. Just don’t scrape it off like you would before hitting the slopes. Instead, let the wax protect your base and edges until you take your skis or snowboard out of storage.

Store: Gear like sleds and snow tubes can be tucked away in your garage or shed during warmer months. But skis, snowboards and boots should be stored in climate-controlled environments. You may think about keeping them in your basement or a closet to protect against damage from heat and humidity.

How to store summer gear

Clean: Spray off all that mud, dirt or sand from your gear. And consider throwing items like sleeping bags into the washing machine so they’re fresh and clean for the spring.

Dry: When it comes to storing almost anything, moisture is your enemy. It can cause metal components to rust, and fabrics like tents to become susceptible to mold and mildew. So make sure everything has been dried thoroughly before you put it away.

Store: Most sporting equipment like golf clubs, kayaks and bikes are safe to keep in a garage or shed. To free up floor space, consider storing items in the rafters, or hang them from hooks in a wall or ceiling. For oversized equipment like boogie boards or snorkeling gear, you can also try bigger cabinets, buckets or bins.

Choosing a storage location

For gear that needs a climate-controlled environment, try to carve out space in your home’s basement or a closet. Remember that anything with leather, wood, wicker or electronics could be damaged from moisture and extreme heat or cold temperatures.

For your less sensitive equipment, attics, backyard sheds and garages all work great. In fact, a survey from Gladiator GarageWorks found that about 1 in 4 people use their garages exclusively for storage, choosing not to park a car there.

Renting a storage unit

Paying for someone else to store your gear can be a good option if you’re running low on space at home. Just keep these questions in mind:

How clean is the facility? Ask if the empty spaces are routinely washed. And make a visit in-person before making a commitment. If you see any signs of moisture or mold, consider another facility.

What kind of access does it offer? If your storage unit doesn’t have drive-up access, you could be hauling items up and down flights of stairs. Some facilities also limit hours for access, so consider when and how often you’ll need to get to your things.

Is it safe? Every unit should have a lock on it. But you may also consider asking if extra security is provided from video surveillance or password-protected gates.

Following these tips will help ensure your outdoor gear stays safe and secure until it’s time for your next adventure.

It’s the same kind of peace of mind you get with Erie Insurance. Because when you trust that your insurance coverage is spot on, you can spend less time worrying – and more time living. Interested? Find a local Erie Insurance agent to get you there.

]]>5 Brilliant Ideas for your ‘Bonus’ Roomhttps://www.erieinsurance.com/JJ1030/blog/bonus-room-ideas?utm_source=bf_erieagents&utm_medium=referral&utm_campaign=blog&utm_content=hodgesinsurance.com
Tue, 12 Mar 2019 04:00:00 +0000https://www.hodgesinsurance.com/5-brilliant-ideas-for-your-bonus-room/Maybe your tax refund is burning a hole in your pocket. Or maybe your son or daughter finally fled the nest and the empty room is driving you crazy. Whatever your motivation, there are lots of reasons to personalize some extra space in your home. Even better? Consumer Reports estimates that adding a flex or […]

Maybe your tax refund is burning a hole in your pocket. Or maybe your son or daughter finally fled the nest and the empty room is driving you crazy.

Whatever your motivation, there are lots of reasons to personalize some extra space in your home. Even better? Consumer Reports estimates that adding a flex or double-duty room can potentially boost your home’s value by 4 to 6 percent.

Whether it’s a spare bedroom, the basement or extra space above the garage, you’ve got options. Looking for ideas? Check out this list.

Flex Room Design Ideas

Workout space:Make a home gym with rubber flooring, fitness equipment and free weights. Or, mellow out when you design your own yoga sanctuary. Either way, mirrors can help you check your form and make a smaller space appear larger.

Arts and crafts room: Here’s your excuse to splurge on swoon-worthy home organization! Creative hobbies like sewing, painting, knitting or quilting require lots of supplies. A designated space can help keep your creative focus… and keep all your bits and bobs in the right place. Get more hobby room inspiration in this list from HGTV.

Movie theater: With a home theater, the whole family can enjoy the big-screen experience without the overpriced popcorn. The must-haves? A projector, comfy seating, dimmable lighting and a solid sound system. Amp up your next showing with this list of creative family movie night ideas.

Music room: Pro tip: Soundproofing makes at-home recordings sound cleaner… and keeps the neighbors happy, too. Whether you want a home recording studio or just a space to jam with friends, opt for bold, inspirational colors, mood lighting and lots of storage space. See more music room design inspiration from The Home Edit.

Just finished a renovation? Talk to your insurance agent

If you’re tackling a major home improvement project, don’t forget to check in with your insurance agent. Major improvements that add value to your home often mean you need a higher limit on your homeowners insurance.

One more thing: Does your existing homeowners coverage include 100% Guaranteed Replacement Cost*? If you’re not sure, find a local ERIE agent to ask for a quote. Guaranteed Replacement Cost is different than an actual cash value (ACV) homeowners policy, which subtracts wear and tear and depreciation from your payment if your home is damaged. An ERIE agent can help you understand the difference and why it matters.

With a Guaranteed Replacement Cost homeowners policy from Erie Insurance, we require notification of home improvements of more than $5,000 within 90 days so we can update your policy and ensure you have the right protection. It’s just one more way we’re looking out for you.

*Not available with all policies and in all states. Coverage of costs to comply with laws or ordinances is subject to limits. Depreciation will be deducted until repair or replacement is made. Talk to your ERIE agent for more information.

]]>How to Move From the Couch to a 5Khttps://www.erieinsurance.com/JJ1030/blog/couch-to-5k?utm_source=bf_erieagents&utm_medium=referral&utm_campaign=blog&utm_content=hodgesinsurance.com
Thu, 07 Mar 2019 05:00:00 +0000https://www.hodgesinsurance.com/?p=35073If you’re looking for motivation to get off the couch, running a 5K is a great fitness goal to work toward. Don’t be intimidated by the number. At a distance of just over three miles, a good training program can have you crossing the finish line of your first 5K in just a few months. […]

If you’re looking for motivation to get off the couch, running a 5K is a great fitness goal to work toward. Don’t be intimidated by the number. At a distance of just over three miles, a good training program can have you crossing the finish line of your first 5K in just a few months.

Where to start

There are plenty of benefits to running for exercise. It’s been proven to improve both your physical and mental health. And because you can run nearly anywhere, it’s an activity that’s accessible to anyone.

But you should first talk to your doctor to see if you’re healthy enough to start training. Once you’re cleared to begin, it’s time to set your goal and get to work!

What to expect

The biggest rookie mistake many aspiring runners make is trying to do too much, too fast. This can lead to an injury, which will set you back from achieving your goal. So don’t overdo it during your first few workouts. Instead, follow a 5K training plan.

Most programs give you about 8-12 weeks of training leading up to the race, which helps you steadily build stamina. You can start with an online training plan, like this series of 5K training programs from Runners World. Some are more aggressive than others, so be sure to choose one that’s a good fit for your level of fitness and running experience.

Once you pick a plan, your training will include a combination of walking, running and rest. Here’s a look at what you can expect:

Walking: Most programs recommend that you run and walk in the same workout. For the first few weeks, you’ll walk more than you run. But as time goes on, you’ll get stronger and start walking less.

Running: If you’ve never exercised much, this will be the most intimidating part of the program. The important thing to remember is you should run at a pace that’s comfortable for you, even if it’s a casual jog. Remember, the ultimate goal of your 5K is to cover the distance — not to set a record-breaking time.

Rest: When you’re training, putting your feet up can be just as important working out. Giving your muscles time to recover will build your strength and help prevent injuries. Training programs often have rest days built in, so you’ll have something to look forward to after a hard day of running.

Listen to your body

Any time you start a new workout program, it’s important to listen to your body. Factors like uneven terrain, bad form and overtraining can all cause running injuries. Wearing the wrong type of running shoes can cause injuries, too.

Follow your trainer or doctor’s advice to treat any specific conditions you’re experiencing. For general information, the Cleveland Clinic offers these tips to prevent running injuries.

If you experience any of these symptoms, it’s time to rest, check your gear or see a doctor:

Joint pain: Pounding your feet on the pavement can do a number on your joints, particularly your knees and ankles. Arthritis and other chronic pain can also get inflamed with exercise. Be sure that you are icing and getting proper rest if you start to experience joint pain.

Persistent pain: It’s normal to experience some soreness after you start training. But if the pain doesn’t decrease after rest or begins as soon as you train again, there could be something wrong. If you have lasting discomfort or need pain medications to train, contact a doctor.

Heart issues: Running is great for your cardiovascular health. But if you’re at risk, know how to spot the signs of serious trouble like a heart attack. If you experience chest pain or shortness of breath, put the workout on pause and get medical help right away.

Achieve your goals

There’s nothing quite like the feeling of accomplishment you get from achieving a goal.

At Erie Insurance, your goals in life are important to us. Whether you’re training for a 5K, renovating your home, starting a family or changing direction in life… looking to the future means making a plan and having encouragement along the way.

When it comes to your financial goals, our local agents are here to help with insurance coverage that protects what you’ve worked so hard to build. By getting to know you, your local ERIE agent can make sure you have coverage that fits your life and budget.

]]>Why You Need a Business Mentorhttps://www.erieinsurance.com/JJ1030/blog/business-mentors?utm_source=bf_erieagents&utm_medium=referral&utm_campaign=blog&utm_content=hodgesinsurance.com
Fri, 01 Mar 2019 05:00:00 +0000https://www.hodgesinsurance.com/why-you-need-a-business-mentor/In business, as in life, it always helps to get advice from someone who’s been there before. But while you may have asked a friend to share their wisdom when it comes to parenting or personal finance, it’s less common for entrepreneurs to seek out advice on managing their business. That’s where a business mentor […]

In business, as in life, it always helps to get advice from someone who’s been there before. But while you may have asked a friend to share their wisdom when it comes to parenting or personal finance, it’s less common for entrepreneurs to seek out advice on managing their business.

That’s where a business mentor comes in.

Finding a trusted adviser to share wisdom and experience can help you make better decisions as you navigate the ups and downs of being a small business owner.

It can be hard to ask for help. But don’t let your pride get in the way of learning from the successes – and mistakes – of others. Remember, even the most accomplished business owners were rookies at some point. Seeking out a mentor for your business can help you overcome challenges before they impact your bottom line.

How can a mentor help? Let’s say you’re dealing with an unproductive employee. It might be tempting to vent your frustration to your staff. But this could cause tension among your workers, making them even less motivated to perform – and costing you more time and money.

Talking to a mentor, one with more experience leading others, can help you channel that frustration by developing a plan to solve the problem.

How to Find a Mentor

You’re looking for someone trustworthy, experienced and willing to walk alongside you. But how do you find them?

Here are couple ideas on how you can start making connections:

Networking events: Experienced professionals know the value of networking. Chances are there are dozens of networking events already scheduled in your area. Try attending one to make new connections and talk to as many people as you can.

Social media: It’s easy to see who is active on social media, what their business is doing and if they’d be willing to offer advice. Check out platforms like Twitter and LinkedIn. Sending a private message is a great way to reach out and start a conversation.

Daily activities: Social media can help you find mentors across the country. But sometimes, you might not need to look any further than your child’s soccer game or a neighborhood block party. Start asking around to see if there are any business owners in your existing network of relationships. A mutual acquaintance of your family or friends may be more than willing to help.

Volunteering: Doing work in the community is not just good PR for your business. It’s also a great way to meet people who are invested your area. Not only could you meet a mentor, you can learn from anyone you volunteer with, from students to retirees.

Indirect competitors: Being mentored by a competitor sounds counterintuitive, but competitors can share valuable experience gained from a career of working in your industry. Check out your industry associations to see how you can start making new connections. Just be sure to seek out businesses that don’t share your market area or clientele.

Building the Relationship

Like a small business, building a mentorship takes time and effort. Depending on your mentor and your goals, the relationship could be a short-term or long-term commitment. But before you can truly learn, you have to make sure you respect each other’s time and energy.

Once you’ve found a mentor, follow these tips to build a healthy working relationship:

Set your expectations. An initial meeting over lunch, coffee or drinks is a safe way to have a conversation about your needs. Choose a place that is comfortable and convenient for you both. Then, ask if they’d be open to mentoring you. Talk about what you hope to gain from the relationship, and why you want to learn from them. Be clear about your goal so there is no confusion about the commitment or expectations.

Set a time and place. It’s best to meet consistently to talk about mentoring topics. Setting a recurring time and place for your meetings creates healthy boundaries and shows that you’re both committed to the mentoring process.

Be flexible. Your mentor is meeting with you because they believe in you. This isn’t a paid consulting relationship, so avoid setting any rigid or formal expectations. Be confident in asking your mentor questions, but always be respectful of their investment in you.

Your ERIE Agent Can Be a Mentor, Too

Building your business is a learning process, so it’s important to have a team that’s invested in your success. We know choosing the right insurance can be complicated – that’s why every ERIE policy comes with a local agent, there to answer any questions and guide you through the process.

Your local ERIE agent is a business owner in your community, just like you. He or she knows what it takes to keep a business running and what you need to protect it, like the risk control services and programs that come with your ERIE business insurance policy.

If it’s been a while, ask your agent to check in for a coverage review. New to ERIE? Find a local agent in your community.

]]>I Have Life Insurance Through Work. Isn’t That Enough?https://www.erieinsurance.com/JJ1030/blog/enough-life-insurance-at-work?utm_source=bf_erieagents&utm_medium=referral&utm_campaign=blog&utm_content=hodgesinsurance.com
Thu, 28 Feb 2019 05:00:00 +0000https://www.hodgesinsurance.com/i-have-life-insurance-through-work-isnt-that-enough/Picture this: You land an exciting new job with great benefits: vacation time, health insurance, 401(k)… even free lunch once a week! They offer group life insurance, too – two times your annual salary. That sounds like a lot, right? In many cases, it might not stretch as far as you think. See also: The […]

Let’s say you make $50,000 per year. A benefit of $100,000 can make a big difference to your family – for a while. But through the years, could it really go the distance to pay for expenses and reflect the legacy you want to leave for your family? Think about how far $100,000 could go to pay for these common needs over time:

Private student loan debt

Mortgage or rent payments

Utilities, groceries and other costs of living

Healthcare

Childcare expenses

Charitable giving

Life insurance is, by its very nature, a deeply personal financial decision. When you rely exclusively on group coverage through work, you miss the opportunity to personalize your coverage based on your specific needs. Here’s why that matters.

4 Reasons to Consider Getting Your Own Life Insurance Policy

The experts at Life Happens*, a nonprofit organization dedicated to educating the public on the importance of life insurance in financial planning, offer these four disadvantages of relying on your group insurance alone:

1. If your job situation changes, you may not be able to maintain the same coverage. Whether that means being laid off, moving from full-time to part-time or leaving the company… in many cases, an employee can’t retain their policy when circumstances change.

2. Coverage may end when you retire or reach a specific age. Many people tend to lose their insurance coverage when they continue working past a specified age or when they retire. This could mean losing your insurance when you need it most.

3. It’s a benefit… not a guarantee. Your employer can change or stop offering life insurance coverage without your consent, since the contract is between your employer and the insurer. With many employers in cost-cutting mode, employee benefits might (unfortunately) be among the first things on the chopping block.

4. Your options are limited. This type of coverage is not tailored to your specific financial needs. Furthermore, your employer might not offer the option for you to purchase extra coverage as you need, leaving you exposed.

]]>4 Creative Ideas for Family Movie Nighthttps://www.erieinsurance.com/JJ1030/blog/family-movie-night?utm_source=bf_erieagents&utm_medium=referral&utm_campaign=blog&utm_content=hodgesinsurance.com
Wed, 27 Feb 2019 05:00:00 +0000https://www.hodgesinsurance.com/4-creative-ideas-for-family-movie-night/Movie nights are a great way to relax and make memories with your family. But sometimes, coming up with new ways to keep everyone entertained can be harder than it seems. As children get older, their interests change. And parents can get tired of the same old thing, too. (Time for a grown-up movie night? […]

Movie nights are a great way to relax and make memories with your family. But sometimes, coming up with new ways to keep everyone entertained can be harder than it seems.

As children get older, their interests change. And parents can get tired of the same old thing, too. (Time for a grown-up movie night? Read these tips for hosting a viewing party.)

So, while there’s nothing wrong with popping some microwave popcorn and loading up Netflix… you don’t want your family time to be mundane or forgettable.

Here are some suggestions for turning your family movie night into memories that last:

Elevate your snacks. Popcorn and candy are theater classics for a reason. But switching your go-to snacks and drinks can level up your movie experience.

Try switching from microwaveable bags to an air popper or stove top popcorn. (Pro tip: oil gets hot quickly and can spatter, so be sure not to pop on the stove unattended!)

Then, experiment with different salts and seasonings. Not in the mood for popcorn? Switch it up and let the kids pick the snacks. Or try cooking a meal together as a family to get in some quality time before you grab the remote.

Change up the scenery. Sometimes a change in location is all it takes to make your night feel special. A great way to do this is investing in a projector. With plenty of options available online (many for less than $200), you can turn any wall of your home into your own personal theater.

The best part? You’re not limited to the indoors. Just break out the blankets and lawn chairs to create your very own theater under the stars!

Make it interactive. A great movie can keep you on the edge of your seat. But for the younger members of your family, sitting through a two-hour film could require more attention than they have to give. By doing a little advanced planning, you can make scheduled breaks a part of your movie night (and less of a distraction). This could be as simple as planning an “intermission” for bathroom breaks and refills on snacks.

Need more activities? Try playing movie night bingo or getting everyone to sing along during their favorite songs. You may find giving your children some extra activities will help keep everybody engaged throughout the night.

Bring the theater experience home. One reason we love going to movie theaters is for the experience. But just because you’re watching a movie in the living room doesn’t mean you have to give that up.

Printing movie tickets, creating reserved seats or setting up a snack bar can give your movie night that extra-special theater feel. You can even build anticipation by giving your kids their tickets early in the week, or letting them save up change to “pay” for their popcorn.

There are plenty of ways to make your next movie night a little more special. But the most important part is the fun you’ll have together — because life is about living in the moment and making memories with the people you love.

At Erie Insurance, we know home is where love lives and memories are made. Our pledge is to protect the beams and the boards, sure, but also the other things that make your house a home.

]]>Crowdfunding Is Not Life Insurancehttps://www.erieinsurance.com/JJ1030/blog/crowdfunding-is-not-life-insurance?utm_source=bf_erieagents&utm_medium=referral&utm_campaign=blog&utm_content=hodgesinsurance.com
Mon, 18 Feb 2019 05:00:00 +0000https://www.hodgesinsurance.com/crowdfunding-is-not-life-insurance/We live in a world of instant gratification. These days, you can order takeout, book a plane ticket, or even find a Friday night date – all with a swipe and a tap on your phone. Living in the moment is a beautiful thing. But when it comes to financial planning… it’s important to think […]

We live in a world of instant gratification. These days, you can order takeout, book a plane ticket, or even find a Friday night date – all with a swipe and a tap on your phone.

Living in the moment is a beautiful thing. But when it comes to financial planning… it’s important to think ahead. Life insurance puts you in control of how you want your legacy to live on. What’s more, it spares your family the stress of scraping by to afford final expenses and pay bills after you’re gone.

ONLINE MEMORIALS: A GROWING TREND

Enter funeral crowdfunding. Websites like GoFundMe (which recently acquired YouCaring.com), FundTheFuneral or DepositAGift let families ask for donations online to cover funeral and burial costs, or to fund other memorial wishes in honor of a loved one who passed.

A 2015 study from the Funeral and Memorial Information Council found that 17 percent of young adults (age 20-39) have crowdsourced funeral/memorial costs online. For adults age 40 and older, the number is much smaller at 4 percent.

Still, the trend shows no signs of slowing down. A recent New York Times article reported that memorials are one of GoFundMe’s fastest growing categories, comprising 13 percent of all crowdfunding campaigns on the site in 2017.

Crowdfunding usually isn’t a family’s first choice to pay for final expenses. Often, the circumstances are tragic and unexpected. Many times, donations are collected because the deceased didn’t have life insurance.

Final expenses aren’t cheap. According to the National Funeral Directors Association, the median cost of an average funeral is around $7,000. (That doesn’t include cemetery monument or burial costs, which vary widely by area.)

Crowdfunding might help in a pinch – but life insurance is a reliable, affordable way to plan for the future. And after all, wouldn’t you rather be in control of making that plan yourself?

THE DOWNSIDES OF FUNERAL CROWDFUNDING

Losing a loved one is a deeply personal time of grief. It’s challenging enough to plan the logistics of a funeral during an emotionally draining time – let alone manage a fundraiser. Online memorials are easy to set up, but they might have more complications than you’d think.

The amount raised is unpredictable. This is the big one. Even the most well-intentioned campaign could fall short of your goal. It’s already humbling to ask family and friends for money. If you don’t raise enough, you’re still stuck with the stress of how to pay those bills.

Most sites charge fees. While this isn’t surprising – after all, the websites have to make money to provide their services— it can be an extra hurdle between your donors’ gifts and your need to pay expenses. Some sites charge a platform fee, or a percentage taken out of the total amount of money you raise. Most sites charge a transaction fee to cover the cost of processing payments, even if they don’t have a platform fee.

The tax implications are still unclear. As of publication time for this article, the IRS still hasn’t released official guidance on how to report income raised through crowdfunding. Donors who chip in to a fund for personal expenses should know that their donation isn’t tax-deductible.

On the receiving end, donations to a crowdfunding memorial are usually considered to be personal gifts and not taxed as income. That also means you can’t offer goods or services (like a bake sale or car wash) in return for someone who makes a donation. Still, experts agree it’s a gray area.

Most importantly, you could end up in hot water if you don’t report the income on your taxes and the IRS finds out about it later. In short:Always consult a tax professional for your unique situation.

No one thinks they’ll be the one to lose a loved one in an unexpected or tragic accident. However, it does happen – and stories like the ones we read on funeral crowdfunding pages remind us why it matters to plan ahead.

What makes life insurance different?

Planning ahead to secure the well-being of your family is more than a transaction: It’s an act of love. Here’s why life insurance is a better option:

It’s a stress-reliever. Losing a loved one is difficult enough on its own. If you plan ahead, you spare your family the anxiety of wondering how they’ll pay for expenses – or the logistical stress of running a fundraiser during a time of grief.

You can make your wishes clear. Instead of your family wondering what you would have wanted, you can choose how much coverage you want and name the beneficiaries to receive it when you’re gone.

It’s more predictable. With life insurance, there’s no guessing how much you’ll raise through donations. You know what to expect ahead of time. (Learn more about the predictability and security of whole life insurance.)

You can plan for more than just final expenses. Life insurance can be a powerful way to invest in your family’s financial freedom. You can set it up to pay off debt, help your spouse pay the mortgage, fund your children’s college education or even make a donation to charity. (Learn more about adjustable options with universal life insurance.)

It’s more affordable than you think. Life insurance can often be obtained for pennies on the dollar, especially if you’re young and healthy. (For a cost-effective solution, learn more about term life insurance.)

TAKE THE NEXT STEP

Life insurance is, by its very nature, deeply personal.You have the opportunity to plan ahead. Start the conversation with a local Erie Insurance agent.

*ERIE® life insurance products and services are provided by Erie Family Life Insurance Company (home office: Erie, Pennsylvania). Additional product and company licensure information is available at erieinsurance.com/lifeinsurance or from your local ERIE Agent. Life insurance and annuity products are not available in New York. Nothing in this article constitutes an offer of insurance. Eligibility for insurance coverage will be determined at the time of application based on applicable underwriting guidelines and rules in effect at that time. The insurance products referenced in this advertisement are in effect as of February 2019 and may be altered at any time.

]]>How to Spot Squirrels in Your Attichttps://www.erieinsurance.com/JJ1030/blog/squirrels-in-attic?utm_source=bf_erieagents&utm_medium=referral&utm_campaign=blog&utm_content=hodgesinsurance.com
Thu, 14 Feb 2019 05:00:00 +0000https://www.hodgesinsurance.com/how-to-spot-squirrels-in-your-attic/Squirrels can be cute and fuzzy when they’re chewing acorns in your backyard. But those teeth aren’t as cute when they’re gnawing wires in your home or tearing up insulation. Squirrels don’t have the “icky” reputation of other household pests… but they’re still wild animals, and they can do serious damage. When squirrels makes themselves […]

Squirrels can be cute and fuzzy when they’re chewing acorns in your backyard. But those teeth aren’t as cute when they’re gnawing wires in your home or tearing up insulation.

Squirrels don’t have the “icky” reputation of other household pests… but they’re still wild animals, and they can do serious damage.

When squirrels makes themselves at home in your attic, they often create a real mess by gnawing on things or leaving behind feces and urine. That much damage in small areas can lead to costly repairs. And while they’re usually harmless, squirrels – like other rodents – have been known to spread disease.

How to Spot a Squirrel

How can you tell if your furry friends have decided to move in? Here are a few things to look (and listen) for:

Scurrying feet: Squirrels are most active during the day. If around dawn or dusk you hear the sounds of little feet above you, odds are there is a den nearby.

Strange smells: You may not notice it at first, but over time the smell of animal urine and feces can become quite strong. If there’s a putrid smell, it’s safe to assume you have a pest problem.

Entry points: Squirrels can enter your home through pretty much any opening in your house. So keep tabs on your doors and windows. Look for teeth marks around your home and watch obvious entry points, such as attic vents. It’s also a good idea to keep an eye on nearby branches leading to your roof.

How to get rid of squirrels

Finding your squirrel housemates can be easy, but getting rid of them isn’t as simple. Squirrels will often need some incentive to leave, so convincing them to move out will take time and effort.

Luckily, you don’t have to work in pest control to escort squirrels out of your home safely. Here are some tips to evict those pesky rodents:

Block all routes. Limiting entry points can discourage squirrels from returning. Consider using wire mesh, caulk or similar materials to seal up your home. After you’ve secured your home, leave one entry point open. Then place some newspaper over it and wait. If the newspaper stays intact after a few days, you can seal off the final entry point. It’s also a good idea to trim branches leading to your house and keep food stored away so they won’t come back.

An important side note: be especially careful in early spring and mid-summer, as squirrels raise their babies during this time. Sealing off an entrance too soon can separate the mother squirrel from her babies and ultimately make matters worse.

Humane harassment. Squirrels won’t always leave right away. The Toronto Wildlife Centre recommends a few go-to tricks to scare squirrels out without physically harming them. Try placing bright, fire-safe lights; a radio; or strong smells like apple cider vinegar near where the squirrels are hiding. These signals tell squirrels that predators are nearby and the area isn’t safe. Once the squirrels leave, it’s safe to seal all entryways. This is the go-to option when it comes to squirrel moms and babies.

Live traps. Traps can be helpful, but this method should be a last resort. In many states, it’s illegal to trap and release squirrels. What’s more, squirrels that have been trapped and relocated often abandon their babies in the process – even if they’re moved together. So be aware of your local laws, and consider calling a pest control professional for help.

Does insurance cover damage from squirrels?

When it comes to your coverage, the specifics can get a little hairy. Different types of insurance will – and won’t – kick in from squirrel damage, depending on where and how it happens.

Generally speaking, here’s how it works:

Your car:If squirrels or other rodents chew through wires or nest in your car, that damage can covered under the optional comprehensive portion of your auto insurance policy (subject to certain conditions, limitations and exclusions). See what can happen in our video, “Rats in the Hood.”

Your home: Generally speaking, damage caused directly from squirrels – such as gnawing, scratching, or droppings – isn’t covered by your homeowners insurance, since the damage is gradual and often preventable with home maintenance. The cost of pest control services isn’t covered, either.

However, if a squirrel causes a sudden loss – for example, it chews through a wire that sparks and starts a house fire – your homeowners insurance would generally pay for damage from the fire, since that’s a covered peril under most policies (subject to certain conditions, limitations and exclusions).

An insurance professional like an Erie Insurance agent can help you understand what your insurance does (and doesn’t) cover.Find a local agent to ask questions.

Want more pest control tips?

Pest infestations are unpleasant to think about, but they can happen to anyone. Check out these related stories from the Eriesense blog: